EVEREST GROUP, LTD.
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| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Premiums Earned Net | 3,862 | 3,925 | -1.6% |
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| All Other Segments | 19 | 43 | -55.8% |
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| Premiums Earned Net | 946 | 900 | +5.1% |
| Premiums Earned Net | 8,960 | 8,733 | +2.6% |
| Net Investment Income | 561 | 473 | +18.6% |
| Gain Loss On Investments | -84 | 69 | -221.7% |
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| Gain Loss On Investments | 80 | -67 | +219.4% |
| Other Operating Income Expense Net | 84 | 169 | -50.3% |
| Revenue | 4,423 | 4,636 | -4.6% |
| Policyholder Benefits And Claims Incurred Net | 2,656 | 4,173 | -36.4% |
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| All Other Segments | 42 | 458 | -90.8% |
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| Policyholder Benefits And Claims Incurred Net | 770 | 1,878 | -59.0% |
| Policyholder Benefits And Claims Incurred Net | 5,237 | 5,359 | -2.3% |
| Sales & Marketing | 866 | 902 | -4.0% |
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| All Other Segments | 5 | 5 | 0.0% |
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| Sales & Marketing | 133 | 114 | +16.7% |
| Sales & Marketing | 2,597 | 2,512 | +3.4% |
| Other Underwriting Expense | 279 | 244 | +14.3% |
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| All Other Segments | 6 | 9 | -33.3% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | -8 | 33 | -124.2% |
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| Other Underwriting Expense | 203 | 161 | +26.1% |
| Other Underwriting Expense | -227 | -164 | -38.4% |
| Corporate Expenses | 30 | 26 | +15.4% |
| Interest Fee And Bond Issue Cost Amortization Expense | 37 | 37 | 0.0% |
| Benefits Losses And Expenses | 3,869 | 5,383 | -28.1% |
| Income Before Taxes | 555 | -748 | +174.2% |
| Income Tax Expense (Benefit) | 109 | -155 | +170.3% |
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| Income Tax Expense (Benefit) | 30 | -12 | +350.0% |
| Net Income | 446 | -593 | +175.2% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | 7 | -25 | +128.0% |
| Retained Earnings | 446 | -593 | +175.2% |
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| Net Income | 66 | -56 | +217.9% |
| Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax | 26 | -574 | +104.5% |
| Other Comprehensive Income Loss Reclassification Adjustment From A O C I For Sale Of Securities Net Of Tax | 66 | -56 | +217.9% |
| Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent | 92 | -630 | +114.6% |
| Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent | 12 | -173 | +106.9% |
| Other Comprehensive Income Loss Reclassification Adjustment From A O C I Pension And Other Postretirement Benefit Plans For Net Gain Loss Net Of Tax | 7 | -25 | +128.0% |
| Other Comprehensive Income Defined Benefit Plans Adjustment Net Of Tax Portion Attributable To Parent | -2 | 9 | -122.2% |
| Other Comprehensive Income | 102 | -794 | +112.8% |
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| Accumulated Defined Benefit Plans Adjustment | -2 | 9 | -122.2% |
| Accumulated Other Comprehensive Income | 102 | -794 | +112.8% |
| Accumulated Translation Adjustment | 12 | -173 | +106.9% |
| Comprehensive Income | 549 | -1,387 | +139.6% |
| EPS (Basic) | 10.74 | -13.62 | +178.9% |
| EPS (Diluted) | 10.74 | -13.62 | +178.9% |
| Wtd Avg Shares (Basic) | -0.2 | -0.1 | -100.0% |
| Wtd Avg Shares (Diluted) | -0.2 | -0.1 | -100.0% |
| Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 | 2,656 | 4,173 | -36.4% |
| Net Income Loss Available To Common Stockholders Basic | 441 | -585 | +175.4% |
Balance Sheet
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Short-Term Investments (Q) | — | — | — |
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| Fair Value Inputs Level1 | 96 | 331 | -71.0% |
| Non-Current Assets | |||
| Deferred Tax Assets | 915 | 1,223 | -25.2% |
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| Parent Company | 2 | — | — |
| Total Assets | 62,514 | 56,341 | +11.0% |
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| Parent Company | 17,569 | 16,059 | +9.4% |
| Operating Lease Right-of-Use Assets | 176 | 108 | +63.0% |
| Other Assets | |||
| Debt Securities Available For Sale Excluding Accrued Interest | 34,573 | 28,908 | +19.6% |
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| Fair Value Inputs Level2 | 32,099 | 26,719 | +20.1% |
| Fair Value Inputs Level2 · Agency commercial | 412 | — | — |
| Fair Value Inputs Level2 · Agency residential | 5,465 | 4,931 | +10.8% |
| Fair Value Inputs Level2 · Asset Backed Securities | 2,987 | 4,325 | -30.9% |
| Fair Value Inputs Level2 · Domestic Corporate Debt Securities | 9,512 | 6,492 | +46.5% |
| Fair Value Inputs Level2 · Foreign Corporate Debt Securities | 7,639 | 5,847 | +30.6% |
| Fair Value Inputs Level2 · Foreign Government Debt Securities | 2,371 | 2,196 | +8.0% |
| Fair Value Inputs Level2 · Non-agency commercial | 1,121 | — | — |
| Fair Value Inputs Level2 · Non-agency residential | 1,721 | 1,289 | +33.5% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 41 | 70 | -41.4% |
| Fair Value Inputs Level2 · US Treasury And Government | 830 | 669 | +24.1% |
| Fair Value Inputs Level3 | 2,474 | 2,189 | +13.0% |
| Fair Value Inputs Level3 · Asset Backed Securities | 2,091 | 1,657 | +26.2% |
| Fair Value Inputs Level3 · Domestic Corporate Debt Securities | 370 | 518 | -28.6% |
| Fair Value Inputs Level3 · Foreign Corporate Debt Securities | 14 | 14 | 0.0% |
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| Agency commercial | 412 | — | — |
| Agency residential | 5,465 | 4,931 | +10.8% |
| Asset Backed Securities | 5,077 | 5,982 | -15.1% |
| Domestic Corporate Debt Securities | 9,882 | 7,010 | +41.0% |
| Fixed Maturities | 2.5 | 2.2 | +13.6% |
| Foreign Corporate Debt Securities | 7,653 | 5,861 | +30.6% |
| Foreign Government Debt Securities | 2,371 | 2,196 | +8.0% |
| Non-agency commercial | 1,121 | 900 | +24.6% |
| Non-agency residential | 1,721 | 1,289 | +33.5% |
| US States And Political Subdivisions | 41 | 70 | -41.4% |
| US Treasury And Government | 830 | 669 | +24.1% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 567 | 757 | -25.1% |
| Equity Securities Fv Ni | 180 | 217 | -17.1% |
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| Fair Value Inputs Level1 | 88 | 79 | +11.4% |
| Fair Value Inputs Level2 | 92 | 133 | -30.8% |
| Equity Method Investments | 5,796 | 5,392 | +7.5% |
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| Parent Company | 207 | 63 | +228.6% |
| Other Short Term Investments | 2,994 | 4,707 | -36.4% |
| Cash | 1,318 | 1,549 | -14.9% |
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| Parent Company | 6 | 5 | +20.0% |
| Investments And Cash | 45,429 | 41,531 | +9.4% |
| Accrued Investment Income Receivable | 436 | 368 | +18.5% |
| Premiums Receivable At Carrying Value | 5,727 | 5,378 | +6.5% |
| Reinsurance Recoverables On Paid Losses | 142 | 207 | -31.4% |
| Reinsurance Recoverable For Unpaid Claims And Claims Adjustments | 4,968 | 2,915 | +70.4% |
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| Casualty Insurance · Insurance | 2,094 | — | — |
| Casualty Insurance · Reinsurance | 152 | — | — |
| Property Insurance Product Line · Insurance | 314 | — | — |
| Property Insurance Product Line · Reinsurance | 901 | — | — |
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| Reinsurance And Insurance Segments | 3,461 | — | — |
| Funds Held Under Reinsurance Agreements Asset | 1,326 | 1,218 | +8.9% |
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| State National Reinsurer | 250 | — | — |
| Deferred Policy Acquisition Costs | 1,546 | 1,461 | +5.8% |
| Prepaid Reinsurance Premiums | 653 | 869 | -24.9% |
| Other Assets | 1,372 | 1,171 | +17.2% |
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| Investments · Estimate Of Fair Value Fair Value Disclosure | 233 | 239 | -2.5% |
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| Mt Logan Re | 35 | 39 | -10.3% |
| Parent Company | 40 | 37 | +8.1% |
| Non-Current Liabilities | |||
| Interest Payable Current And Noncurrent | 21 | 22 | -4.5% |
| Total Liabilities | 47,054 | 42,466 | +10.8% |
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| Parent Company | 2,108 | 2,184 | -3.5% |
| Long-Term Debt (Q) | — | — | — |
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| 4.30% Matures December 2027-2 · Parent Company | 200 | — | — |
| Other Liabilities | |||
| Liability For Claims And Claims Adjustment Expense | 34,312 | 29,889 | +14.8% |
| Unearned Premiums | 7,275 | 7,324 | -0.7% |
| Funds Held Under Reinsurance Agreements Liability | 267 | 27 | +888.9% |
| Reinsurance Payable | 642 | 701 | -8.4% |
| Loss In Course Of Payment | 151 | 241 | -37.3% |
| Senior Notes | 2,352 | 2,350 | +0.1% |
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| 3.125% Senior notes · Senior Notes | 972 | 971 | +0.1% |
| 3.5% Senior notes · Senior Notes | 982 | 982 | 0.0% |
| 4.868% Senior notes · Senior Notes | 398 | 398 | 0.0% |
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| Senior Notes | 2,352 | 2,350 | +0.1% |
| Subordinated Debt | 218 | 218 | 0.0% |
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| 6.6 % Long Term Subordinated Notes · Subordinated Debt | 218 | 218 | 0.0% |
| Advances From Federal Home Loan Banks | 1,019 | 1,019 | 0.0% |
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| Everest Reinsurance Company (Everest Re) | 1 | — | — |
| Other Liabilities | 797 | 590 | +35.1% |
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| United States, United Kingdom, And Asia Pacific · American International Group, Inc. | 47 | — | — |
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| Parent Company | 6 | 2 | +200.0% |
| Stockholders' Equity | |||
| Common Stock | 1 | 1 | 0.0% |
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| Parent Company | 1 | 1 | 0.0% |
| Additional Paid-In Capital | 3,852 | 3,812 | +1.0% |
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| Parent Company | 3,852 | 3,812 | +1.0% |
| Accumulated Other Comprehensive Income | -52 | -1,138 | +95.4% |
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| Parent Company | -52 | -1,138 | +95.4% |
| Treasury Stock Common Value | -4,906 | -4,108 | -19.4% |
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| Parent Company | -4,906 | -4,108 | -19.4% |
| Retained Earnings | 16,565 | 15,309 | +8.2% |
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| Parent Company | 16,565 | 15,309 | +8.2% |
| Total Stockholders' Equity | 15,461 | 13,875 | +11.4% |
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| Accumulated Defined Benefit Plans Adjustment | 6 | 16 | -62.5% |
| Accumulated Other Comprehensive Income | -52 | -1,138 | +95.4% |
| Accumulated Translation Adjustment | -81 | -323 | +74.9% |
| Additional Paid In Capital | 3,852 | 3,812 | +1.0% |
| Aoci Gain Loss Debt Securities Available For Sale Without Allowance For Credit Loss Parent | 23 | -831 | +102.8% |
| Common Stock | 1 | 1 | 0.0% |
| Retained Earnings | 16,565 | 15,309 | +8.2% |
| Treasury Stock Common | -4,906 | -4,108 | -19.4% |
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| Parent Company | 15,461 | 13,875 | +11.4% |
| Total Liabilities & Equity | 62,514 | 56,341 | +11.0% |
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| Parent Company | 17,569 | 16,059 | +9.4% |
Cash Flow Statement
| Metric | YTD Q4 2025 | YTD Q4 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Increase Decrease In Premiums Receivable | 301 | -186 | +261.8% |
| Increase Decrease In Funds Held Under Reinsurance Agreements | 181 | 18 | +905.6% |
| Increase Decrease In Reinsurance Recoverable | -1,187 | -979 | -21.2% |
| Increase Decrease In Income Taxes Receivable | 70 | -212 | +133.0% |
| Increase Decrease In Prepaid Reinsurance Premiums | 283 | -31 | +1012.9% |
| Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve | 516 | 3,007 | -82.8% |
| Increase Decrease In Unearned Premiums | -230 | 42 | -647.6% |
| Increase Decrease In Reinsurance Payables | -448 | -143 | -213.3% |
| Increase Decrease In Losses In Course Of Payment | -75 | -11 | -581.8% |
| Change In Equity Adjustments In Limited Partnerships | -122 | -25 | -388.0% |
| Reimbursement From Limited Partnership Investment | 67 | 57 | +17.5% |
| Increase Decrease In Other Operating Capital Net | -259 | -55 | -370.9% |
| Stock-Based Compensation | 18 | 14 | +28.6% |
| Amortization Of Debt Discount Premium | -44 | -54 | +18.5% |
| Net Cash from Operations | -398 | 780 | -151.0% |
| Investing Activities | |||
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 1,121 | 1,091 | +2.7% |
| Proceeds From Sale Of Available For Sale Securities Debt | 638 | 1,935 | -67.0% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 43 | 28 | +53.6% |
| Proceeds From Sale Of Equity Securities Fv Ni | 1 | 22 | -95.5% |
| Proceeds From Equity Method Investment Dividends Or Distributions Return Of Capital | 68 | 120 | -43.3% |
| Purchases of Investments | -2,343 | -2,494 | +6.1% |
| Payments To Acquire Held To Maturity Securities | -1 | -3 | +66.7% |
| Payments To Acquire Equity Securities Fv Ni | -7 | -15 | +53.3% |
| Payments To Acquire Interest In Subsidiaries And Affiliates | -101 | -498 | +79.7% |
| Payments For Proceeds From Short Term Investments | 930 | -770 | +220.8% |
| Net Change In Unsettled Securities Transactions | -17 | -348 | +95.1% |
| Net Cash from Investing | 663 | -933 | +171.1% |
| Noncash Or Part Noncash Distribution Made To Limited Partner | 0 | 0 | — |
| Financing Activities | |||
| Payments For Proceeds From Shares Issued Redeemed For Share Based Compensation Net Of Expense | -2 | -1 | -100.0% |
| Share Repurchases | -397 | 0 | — |
| Payments Of Dividends Common Stock | -82 | -85 | +3.5% |
| Tax Withholding for Share Compensation | -2 | -2 | 0.0% |
| Net Cash from Financing | -482 | 112 | -530.4% |
| Supplemental | |||
| Income Taxes Paid | 52 | 57 | -8.8% |
| Interest Paid | 59 | 57 | +3.5% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | -4 | -9 | +55.6% |
| Net Change in Cash | -221 | -50 | -342.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,318 | 1,549 | -14.9% |
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| Parent Company | 6 | 5 | +20.0% |
Values in millions USD. Source: SEC EDGAR 10-K filing.